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      Question

      PM Shram Yogi Mandhan Yojana (PM-SYM) provides pension

      security to unorganised sector workers. Review the following cases: I. Ganesh earns Rs. 18,000 per month and is 65 years old. He expects to receive Rs. 3,000 monthly pension after joining PM-SYM. II. Harish is already a member of the National Pension System through his employer's corporate NPS plan. He wishes to additionally enroll in PM-SYM. III. Kamla, aged 32, is an unorganised sector domestic worker earning Rs. 14,000 per month. She is not a member of EPF, ESIC, or NPS. Who among the above is/are eligible for PM-SYM?
      A Only Ganesh Correct Answer Incorrect Answer
      B Ganesh and Kamla Correct Answer Incorrect Answer
      C Only Harish Correct Answer Incorrect Answer
      D Only Kamla Correct Answer Incorrect Answer
      E None of the above Correct Answer Incorrect Answer

      Solution

      PM-SYM eligibility requires: age 18–40 years, monthly income up to Rs. 15,000, unorganised sector worker, and NOT a member of EPF/ESIC/NPS. Ganesh fails on two counts age (65 years exceeds the 40-year cap) and income (Rs. 18,000 exceeds Rs. 15,000 limit). Harish is disqualified because he is a member of the NPS. Kamla satisfies all conditions age 32 (within 18–40), income Rs. 14,000 (below Rs. 15,000), unorganised sector, and no EPF/ESIC/NPS membership.

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